A brief introduction:  my name is Paolo and I am a realtor in the US (Maryland and DC). I also bought a property by financing it in Bolsena,  Italy and a know a thing or two about mortgages. When I applied for the mortgage (2007), lending regulations where pretty relaxed, but that is not the case anymore.

However right now, after the pandemic,  you might be able to pick up a deal: it’s not a case that Baron  Rothschild, 18th century nobleman and  member of the  famous banking family once said that  “The time to buy is when there’s blood in the streets.” Warren Buffet’s philosophy should also be mention here: “Be fearful when others are greedy, and greedy when others are fearful.”